Baltimore, Maryland
Mortgage Company in Baltimore, MD
- 100+ lenders, one application
- Rowhouses and rehabs
- No credit pull to start
Baltimore offers some of the lowest home prices in the region, from city rowhouses to county colonials. Access Financial is an independent mortgage company in Baltimore MD with more than 100 lenders behind every file.
Serving
Baltimore City and Baltimore County
Office
8115 Maple Lawn Blvd, Suite 350
Fulton, MD 20759
Phone
(443) 494-4001- Lenders100+ wholesale
- PreapprovalSame day letter
- MD license21763
- NMLS1370402
- $193KTypical city home
- $366KTypical county home
- $832,7502026 conforming limit
- 35 minDowntown to our office
Loan programs
Rowhouses, rehabs and county colonials
Federal Hill rowhouses, Towson colonials and Catonsville capes all need different loans. Each one runs through one mortgage company in Baltimore MD and one loan officer.
Rowhouse loans
A rowhouse mortgage Baltimore buyers need depends on condition and appraisal comps. We pick lenders comfortable with both.
About purchase loansFHA 203k renovation
Many city homes need real work. A 203k covers the price and the rehab in one loan.
About 203k loansFHA loans
3.5 percent down with flexible credit rules. A common path for a first time home buyer Baltimore file.
About FHA loansInvestor loans
Investment property loans Baltimore investors use can qualify on the rent the home earns.
About investor loansDSCR loans
Buying a second or third rental? DSCR loans look at the property's income, not your pay stubs.
About DSCR loansCash out refinancing
County homeowners with equity can fund repairs or clear debt. We check the numbers first.
About cash out refinancingWhy us
Lower prices still deserve better pricing.
A bank sells only its own loans. We are an independent mortgage company in Baltimore MD, 35 minutes down I 95. Your file reaches more than 100 lenders and each offer comes back in writing.
Rowhouse appraisals handled
City comps can be tricky. We choose lenders with appraisers who know Baltimore blocks.
City taxes built in
Baltimore City property tax runs higher than the county. We include it in your payment from day one.
One loan officer to closing
You work with the same person from the first call to the closing table.
No credit pull to begin
We talk numbers first and check credit only when you choose to proceed.
The Baltimore market
City and county are two different markets.
Zillow put the typical Baltimore City home value near $192,669 in June 2026. Baltimore County came in near $365,669 in July, with homes pending in about 10 days.
Both sit well under the $832,750 conforming limit, so most buyers avoid jumbo rules. A mortgage company in Baltimore MD can match the loan to the side of the line you choose.
What one application gets you
- Lenders who can see your file100+
- Loan programs reviewed40+
- Time to a preapproval letterSame day
- Loan officers handling you1
- Credit pulled to get this farNone
Who we help
Where does your search start?
Most calls to a mortgage company in Baltimore MD begin with one of these four.
"We found a Hampden rowhouse that needs a new everything."
A renovation loan funds the purchase and the rehab together.
FHA 203k loans"I want to buy my third rental in the city."
DSCR loans qualify on the rent, not your own income.
DSCR loans"We are weighing Towson against Canton."
Taxes and prices differ across the city line. Start with a budget that includes both.
Affordability calculator"I work at Johns Hopkins and want to buy nearby."
Hospital and university pay qualifies easily with our lenders. We compare city and county options for you.
Purchase loansWhere we lend
City neighborhoods and county towns
One mortgage company in Baltimore MD file covers the city and the surrounding county. Searching for a mortgage lender near me from Canton or Catonsville? Our team handles Baltimore home loans by phone and secure upload.
- Federal Hill
- Canton
- Fells Point
- Hampden
- Roland Park
- Mount Vernon
- Locust Point
- Charles Village
- Towson
- Catonsville
- Parkville
- Pikesville
- Owings Mills
- Perry Hall
- Dundalk
Meeting in person
Baltimore to Maple Lawn
Most files close remotely, but this mortgage company in Baltimore MD is a short trip down I 95. Approximate drive times are below.
- From CatonsvilleI 195 to I 95 southAbout 25 min
- From Downtown BaltimoreI 95 south to MD 32About 35 min
- From TowsonI 695 to I 95 southAbout 40 min
- From DundalkI 695 to I 95 southAbout 45 min
Other locations
Other Maryland areas we lend in
The same team and lenders work each of these areas.
Before you apply
Worth a look first
What buyers read before choosing a lender for their Baltimore home loans.
Find out what you qualify for
Know your numbers on both sides of the line
Tell us how you earn and where you want to buy. We send each option in writing, and credit is checked only after you choose.
Call (443) 494 4001 to reach a mortgage company in Baltimore MD directly, or apply online.
Access Financial Mortgage Corp. NMLS 1370402. Maryland Mortgage Lender License 21763. Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, property review and program guidelines.
FAQ
Baltimore buyers ask us
Why use a mortgage company for a Baltimore rowhouse?
Rowhouse appraisals and older homes suit some lenders better than others. A mortgage company in Baltimore MD sends your file to the right ones.
What is the 2026 loan limit in Baltimore?
Baltimore City and Baltimore County use the $832,750 baseline for a single family home.
Is there help for a first time home buyer in Baltimore?
Yes. A first time home buyer Baltimore file can start at 3.5 percent down with FHA. The Maryland Mortgage Program may add help.
Can I finance a house that needs a full rehab?
Yes. An FHA 203k loan covers the purchase and the renovation together.
Do you lend to investors?
Yes. Investor and DSCR loans can qualify on the property's rent.
How fast can I be preapproved?
Many buyers who call a mortgage company in Baltimore MD like ours have a letter the same day.